Yintoni i-PMI okanye i-Intanethi ye-Mortgage yangasese kwaye kuyimfuneko?
I-Inshurensi yokuThengisa yangasese, okanye i-PMI, luhlobo lwe-inshorensi eqinisekisa ukuba umboleki-mboleko xa umthengi engenzi phantsi kwemboleko. Umboleki, okanye ibhanki, idinga i-PMI xa umthengi ehlawula phantsi kwe-20% yexabiso lokubuza ekhaya. I-inshurensi yokubambisa i-Private mortgage ineziphumo ezilungileyo nezimbi, kwaye kukho iindlela zokuphepha ukuhlawula ngaphandle kokubeka phantsi i-20% efunekayo.
I-Intshurensi yokuThengisa yangasese i-Good Points
Inqaku elilungileyo malunga ne-PMI kukuba livumela umntu ukuba athenge enye indlu ngaphandle kokugcina i-20% efunekayo. Abaninzi baseMelika banokufikelela ephupheni laseMelika ngeenkqubo ezidumile eziphantsi kwe-3-5%. Ezi nkqubo zinokwenzeka ngenxa ye-inshurensi yangasese yomhlalaphantsi. Xa uthenge ikhaya kufuneka uthenge i- inshorensi yabanini bendabuko . Ngaphezulu koko kufuneka uhlawule iiprayimari ze-PMI, ngokuqhelekileyo kwiakhawunti yakho yokungena, ukuba awuyi kubeka ubuncinane i-20%. I-inshurensi yangasese yokubambisa i-inshurensi ayikunikezeli ngabanini-mali bongezelelekileyo bomshuwalense, kodwa inika i-inshorensi yebhanki nje ingenako ukuzalisekisa uxanduva lwakho ngokungahlawulisi iintlawulo zakho zokuboleka imali. Ukusetyenziswa kwe-PMI kuye kwaba sisixhobo esikhulu sokufumana amaMerika amaninzi emakhaya, kodwa kukho iziphazamiso ezithile.
I-Downfalls ye-PMI
Ingxaki nge-inshurensi yangasese ye-mortgage yinto yokuba iphakamisa intlawulo yakho yenyanga kwaye, ngokungafani nenzala kwimpahla yemveli, i-PMI ayinakuthatyathwa irhafu.
Unokugqibela ukhansele i-inshurensi yangasese yemali ye-mortgage ukuba unokwenza ubungqina bokuba unetyala elingama-80% okanye ngaphantsi kwexabiso lekhaya lakho. Ukufumana ibhalansi yakho yokuthenga imali ukuya kuma-80% exabiso lekhaya lingathatha iminyaka emininzi. Iindaba ezilungileyo kukuba unako ukufumana zonke ezintathu: Intlawulo ephantsi, intlawulo ephantsi yenyanga, kwaye akukho-PMI!
Emva koko, makhe sihlole iindlela zakho zokuphepha ukukhusela i-PMI.